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39 Cotter St, San Francisco, CA 94112 Property Records

San Francisco City property record for 39 Cotter St, San Francisco, CA 94112

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,612 sqft · built 1912
Lot Size0.001 acres (25 sqft)
Owner2 Individual Names on Record
Last Sale$1,289,000 (Mar 2024)
Tax Bill$9,679 (2025)
Deeds & MortgagesApr 2026 Mortgage
Mar 2024 Sale & Mortgage
APN6797-040

Property Details

APN / Parcel Number

Primary APN6797-040

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories2 Stories
Building Area1,612 sqft Living Area
1st Floor Area1,612 sqft

Exterior

Year BuiltBuilt 1912
Effective Year BuiltEffective 1912
Construction TypeFrame
Lot Area25 sqft (0.001 acres)

Location & Zoning

Street Address39 COTTER ST
CitySAN FRANCISCO
StateCA
Zip94112-1918
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRH1
Legal DescriptionBLK 5
Legal SubdivisionACADEMY TRACT
Legal Block6797
Legal Lot Number40
JurisdictionSAN FRANCISCO CA
Township / Civil DivisionMERCED-MCLAREN
Census Block Group2
Census Block2014
Census Tract25502

Owner

Source: San Francisco City records, as of September 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address874 38TH AVE, SAN FRANCISCO, CA 94121-3412
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2026Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 6, 2024Grant Deed, Transfer · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 6, 2024 · Amount on Record
Deed SaleMar 6, 2024 · Amount on Record
Prior SaleAug 14, 2000 · Amount on Record
Deed Document Number202419948
Record UpdatedOct 29, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN FRANCISCO CA
Recording DateApr 30, 2026
Property Address39 COTTER ST, SAN FRANCISCO, CA 94112-1918
Document Number0000042507
Instrument DateApr 24, 2026
Instrument202642507
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants, 205
Address39 COTTER ST, SAN FRANCISCO, CA 94112-1918

Mortgage

Document Number0000042507,
DateApr 30, 2026
Instrument202642507
Lender
NamePENNYMAC LOAN SERVICES LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2056
Interest
Rate TypeFixed Rate
Rate6.38%
Initial TypeFixed Rate
Max Rate-1%

March 2024: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN FRANCISCO CA
Recording DateMar 6, 2024
Property Address39 COTTER ST, SAN FRANCISCO, CA 94112-1918
Document Number0000019948
Instrument DateMar 1, 2024
Instrument2024019948
Transaction TypeTransfer
Record UpdatedMar 25, 2024
Title CompanyTWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$9,667.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address874 38TH AVE, SAN FRANCISCO, CA 94121-3412

Mortgage

Document Number0000019949
DateMar 6, 2024
Instrument2024019949
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2054

Tax Assessment & Valuation

Source: San Francisco City assessment roll, as of September 8, 2026

Property Jurisdictions

TypeName
StateCalifornia
County / MunicipalitySan Francisco City
Unified School DistrictSan Francisco Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$1,341,076 (+81.64%) Land $938,753 Building $402,323
2025$9,679.00 (+167.82%)$738,331 (+4.04%) Land $542,453 Building $195,878
2024$3,614.00 (+406.16%)
2023$714.00 (+6.09%)$709,663 Land $521,390 Building $188,273
2022$673.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood ZoneNot on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSFPUC CITY DISTRIBUTION DIVISION
serves 848,019 people · EPA ID CA3810011
Water SourcePurchased surface water from SAN FRANCISCO REGIONAL WATER SYSTEM
Last State InspectionMar 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,561 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Sonic Telecom
Fiber		10,000 / 10,000
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
Etheric Networks
Fixed Wireless		250 / 100
T-Mobile
Fixed Wireless		100 / 20

May also be available: Astound Broadband, GeoLinks, Unwired.

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